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Privacy Policies
Schedule of Fees
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases and Balance Transfers |
Platinum: 12.50%* - 18.00%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Platinum Rewards: 14.00%* -18.00%* Secured Credit Builder: 18.00% fixed rate |
| Cash Advances |
Platinum: 12.50%* - 18.00%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Platinum Rewards: 14.00%* -18.00%* Secured Credit Builder: 18.00% fixed rate. |
| Penalty Annual Percentage Rate (APR) and When It Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers and convenience checks on the date they are posted to your account. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at https://www.federalreserve.gov/creditcard |
| FEES and CHARGES | |
| Annual Fee | None |
| Transaction Fees | Balance Transfer: None Cash Advance: None Foreign Transaction: 1% of each transaction in U.S. dollars |
| Penalty Fees | Late Payment: If the payment is 7 days or more past due, you will be charged up to $25. Over-the-Credit Limit: None Returned Payment: $15.00 |
How We Calculate Your Balance: We use a method called “average daily balance (including purchases)”. See your account agreement for more details. The information about the costs of the cards described in this application are accurate as of January 2016. This information may have changed after that date. To find out what may have changed, call us at (626) 445-0950 or write to us at P.O. Box 660130, Arcadia, CA 91066-8042 or visit our website to view the most recent version at www.foothillcu.org. Billing Rights: Information.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your agreement.
IMPORTANT DISCLOSURE INFORMATION - MASTERCARDFor Foothill Platinum, Platinum Rewards and Credit Builder MasterCard Accounts |
|
INTEREST RATES AND INTEREST CHARGES |
|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers |
Promotional offer for a limited time is 0% introductory APR for 12 months with a 4% balance transfer fee. Platinum Rewards: 13.75%* -18.00%* Secured Credit Builder: 18.00% fixed rate |
| Cash Advances |
Platinum: 12.25%* - 18.00%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Platinum Rewards: 13.75%* -18.00%* Secured Credit Builder: 18.00% fixed rate. |
| Penalty Annual Percentage Rate (APR) and When It Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers and convenience checks on the date they are posted to your account. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at https://www.federalreserve.gov/creditcard |
FEES and CHARGES |
|
| Annual Fee | None |
| Transaction Fees | Balance Transfer: 4% Cash Advance: None Foreign Transaction: 1% of each transaction in U.S. dollars |
| Penalty Fees | Late Payment: If the payment is 7 days or more past due, you will be charged up to $25. Over-the-Credit Limit: None Returned Payment: $15.00 |
How We Calculate Your Balance: We use a method called “average daily balance (including purchases)”. See your account agreement for more details. The information about the costs of the cards described in this application are accurate as of December 19, 2025. This information may have changed after that date. To find out what may have changed, call us at (626) 445-0950 or write to us at P.O. Box 660130, Arcadia, CA 91066-8042 or visit our website to view the most recent version at www.foothillcu.org.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your agreement.
*Foothill Federal Credit Union has a loan program, which features a range of interest rates for some consumer loans. A rate is based on a variety of factors, including the applicant’s credit rating at the time the new loan is opened. After that the Standard Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate determined quarterly by adding a margin 5.5% -14.75% (depending on our review of your application and credit history) to the Prime Rate (Index) which is published in the “Money Rates” column of the Wall Street Journal on the last business day of each calendar quarter.
Pricing & Information Introductory rate of 0% for 12 months from date of first transfer for balance transfers completed. After introductory period ends, a variable APR of 12.25% – 18.00%, based on your creditworthiness, applies to unpaid promotional balances, new purchases and new balance transfers. Annual Fee – None. Fee for foreign purchases — None. Cash advance fee — none. Balance transfer fee — 4% of the amount of each transfer. Maximum balance transfer may not exceed 90%of available credit line. Subject to credit approval. Additional limitations, terms and conditions apply.
